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铜牌推广者 LV7
发表于 1-2-2013 00:53:57
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freesoul99 发表于 30-1-2013 15:40 
请教,现有房贷全部还清再买房首付是20% 还是50%?
DBS 的解释
[url=]How much cash do I have to set aside for down payment?[/url]
Upon exercise of the OTP, you would usually be required to pay 5% to 10% of the purchase price (less the option fee) as a down payment. For HDB properties, the deposit must not exceed $5000 (less the option fee).
If this is your first property for which you are taking up a loan: You can pay up to 80% of the purchase price with your loan. For the remaining 20%, 5% has to be paid by cash and the balance 15% can be paid by cash or your CPF.
if this is your second or subsequent property and you have an existing loan on any other property: You can pay up to 60% of the purchase price with your loan. For the remaining 40%, 10% has to be paid by cash and the balance 30% can be paid by cash or CPF.
On top of that, Stamp Duty [(3% of purchase price) - $5,400] is payable by cash followed by a refund from CPF (Ordinary Account) if available.
注意上面的AND
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